US Senior Life Settlements

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Life Settlements - The Asset Class Defined

The U.S. Senior Life Settlement Market, also known as the Secondary Market for Life Insurance, has been in existence for over 20 years. 

U.S. Seniors can now sell their life insurance policies if they meet certain criteria. The Life Insurance Secondary Market provides an opportunity for seniors to get a cash payment for their life insurance policies vs. simply letting the policy coverage lapse.

This is a critically important alternative for seniors that no longer need the protection of life insurance coverage. By selling their life policies, Seniors can receive additional funds for purposes such as medical expenses as well as a diverse spectrum of financial needs and objectives.

The Life Settlement Marketplace – A Focused Demand for Policies

As a U.S. Senior, selling your life insurance policy can be a challenging experience. This important fact is not reflected in current industry advertising campaigns, which suggest that selling a life insurance policy can be accomplished rather easily.

Regrettably, this is frequently not the case.  

The life settlement investor market is both unique and complex, with sales dynamics closely mirroring those found in the global real estate market.  Just as is the case with real estate, Senior life insurance policies (SLPs) are effectively illiquid assets, with pricing subject to typical economic cycles of supply and demand.  Further, most of the investors for SLPs are based outside the US, placing a premium on the comprehensiveness and depth of the relationships developed by insurance market representatives such as LifeStar. 

To underscore this point, LifeStar and its affiliate company Emeritus International Group have been in the business of representing Seniors in the secondary market since January, 2001, developing an important industry reputation based on innovation, integrity and successful market performance for our clients. 

Seniors today face a growing list of financial challenges against increasing costs and a dynamic investment environment. The resulting pressure on seniors can not only accelerate but can intensify, particularly late in life. Selling a life policy can provide an important element of financial security that may have not been previously considered. 

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To accomplish this important objective, LifeStar has been in the business marketing life insurance policies for Seniors since 2001. Throughout our history, LifeStar has always led with a customer-first focus and has developed extensive and unparalleled expertise and qualifications.  At the core of our capabilities has been the development of a large group of global investors that are ready to purchase U.S. Senior Life Policies. 

These and other key elements make LifeStar the preferred Life Insurance Secondary Market representation for Seniors. LifeStar also provides an independent approach to Senior market representation, ensuring the best possible price for our senior clients. 

LifeStar is your Independent Life Settlement Advisor.